Sr. Manager - Consumer Credit Review - Credit Card
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Wilmington, DE 19801
Job ID: R76604
800 Delaware Avenue (18056), United States of America, Wilmington, Delaware
At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.
Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.
Sr. Manager – Consumer Credit Review – Credit Card Portfolio
The Senior Consumer Credit Review Manager is responsible for executing an independent, risk-based assurance review of assigned platforms within Capital One’s Consumer credit portfolio, including assessment of credit risk, lending practices, effectiveness of policy implementation and risk rating accuracy. The associate would be focused on supporting the Consumer/Small Business Card Portfolio. The Senior Manager will contribute towards the execution of the annual Credit Review operating plan and provide training, coaching and coordination of cross-functional teams within Credit Review in the process. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.
Execute the Credit Review function by:
-Developing, managing and executing a risk-based review plan covering consumer line(s) of businesses at the both portfolio and transactional level testing
-Assessing the accuracy of overall portfolio asset quality
-Identifying credit process weaknesses
-Identifying emerging credit risk trends and issues
-Identifying gaps in credit policy
-Aggregation and tracking of identified issues to resolution
-Provide credible challenge on all aspects of credit risk management
-Communication of Credit Review assurance results with exceptional verbal and written communication skills, demonstrating strong clear thinking and succinct delivery of message
-Report results and issues verbally and in writing to executive management and internal credit and risk senior executives.
-Build and maintain high trust relationships with senior credit risk management and senior lending associates
-Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.
This role can be based in either Wilmington, DE, McLean, VA, OR Richmond, VA
- Bachelor’s degree or military experience
- At least 5 years of experience in consumer credit risk management, at least 5 years of experience in a Credit Review assurance role, or a combination
- Formal Credit Training from a large national or regional bank or equivalent training in a regulatory office (e.g. OCC, Federal Reserve)
- At least 10 years of experience in consumer credit risk management or at least 10 years of experience in consumer credit analysis or at least 10 years of a Credit Review assurance role
- At least 3 years of experience influencing senior level executives
- CFA, CPA
- Master’s Degree
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
Capital One is an equal opportunity employer committed to diversity in the workplace. Capital One promotes a drug-free workplace.
All qualified applicants will receive consideration for employment without regard to gender, race, color, religion, national origin, sexual orientation, protected veteran status, or disability status.
Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; Newark, New Jersey Ordinance 12-1630; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.